A fair lending review will be conducted, if requested, using FFIEC fair lending procedures modified for your bank’s asset size and product lines and will include a review of the Bank’s compliance management system as it relates to fair lending. This evaluation, encouraged by regulatory agencies, can provide management with one means of identifying potential fair lending concerns, while helping to ensure that all members of the bank’s customer-base receive fair and equal treatment. Depending upon the Bank’s needs, we can perform a targeted product comparative file analysis or conduct an overall fair lending risk assessment review. During the review, Fair Lending training will be provided to all employees.